[intro music]

>> NICK: I'm Nick Taylor. I'm an NDIS participant
I have a young family at home, two young boys
four and five years old, and they're pretty much
the centre of my universe at the moment.

>> JOY:	My son's Bruce. He's 40. He has asperger's.

>> GREG: Hi, I'm Greg Killeen, and I'm from Botney.

>> JODIE: My eldest, he's 15. And I have a 12 year old boy,
who has autism, and a 10 year old boy who's got cerebral palsy.
They all love rugby league. The youngest one is a mad
Sharks fan, and lives and breathes rugby league.

[The benefits the NDIS is delivering]

>> TONY: The NDIS important because it's providing me
with a greater level of support than I would've received otherwise.

>> LISCHKE: Participanting in the NDIS has allowed my children
to go to maintream school, which is very important.

[Challenges with managing budgets]

>> GREG: Managing budgest can be comples if you
don't have a lot of account experience.

>> NICK: Sometimes we find that therapy sessions that
may only be for half an hour, we have to 
cut them short, five minutes short, because well,
we have to fill out the administration side.

>> JODIE: So managing our NDIS supports can be quite challenging
sometimes, especially if you don't have the physical funds 
yourself to be paying for these before you get
reimbursed from NDIS.

[animation commences]

>> NARRATOR: The National Disability Insurance Scheme provides thousands
of Australians with greater choice and control over 
how they access disability support services.
With this greater choice and control comes
challenges with accessing the right services,
managing budgets, and making payments.
Recognising a potential solution, CSIRO's Data 61,
and the Commonwealth Bank got together to
tackle these challenges. We trialled an app using
blochchain tecnology to make money smart.
Our aim? To make it easier for people
with disability to exercise greater choice
and control in their lives.
NDIS plans can involve several budgets,
each with different spending rules.
Our smart money trial makes this simpler.
It converts these budgets into blockchain tokens.
The tokens automatically know whether they have been spent,
if they're committed to future services,
or are available for new service bookings.
The system makes the tokens smart by
attaching smart contracts.
The smart contracts tell the tokens who they
could be spent by, what services they could be spent on, 
and who is eligible to deliver the services.
This allows greater control and eliminates the potential 
to accidentally misspend funds, or spend too much.
Tokens could be used to access disability support 
services, and with the easy to use search function 
and review ratings, participants are given greater
choice and insights into the services that are right for them,
with greater visibility over how much these services cost,
and with automatic payments as services are accessed.
Service providers could automatically redeem their
smart tokens through integrations with Australia’s 
New Payments Platform, which means they could get 
paid in seconds. We think our proof
of concept could make the NDIS simpler for everyone,
and use data more effectively – but most importantly, 
we think it will make it easier for people
with disability to exercise choice and control 
over their lives. 
We trialled the app with NDIS participants
and carers. This is what they said. 

>> DONNA: I think one of the benefits of the app
is that it gives you information on the go.

>> TONY: I could see the ability to access multiple
service providers at the touch of my finger.

>> NICK: I think the idea of being abe to make a payment
wihout having to use my credit card and reimburse myself,
and just being able to pay directly from my NDIS
account would be awesome. I think that's 
the thing that makes the app so valuable.

>> JOY: This makes me incredibly optimistic
It's the sort of thing that's going to help a lot
of people access the NDIS easily, less stress,
less giving up, and that's going
to be helpful for everyone.

>> NARRATOR: The possibilities are exciting, but this is only the start. 
We look forward to continuing our explorations 
with industry and government on how we might one
day be able to make these possibilities a 
reality for people living with disability. 
To find out more information, 
please click the link below.